Scott Miller launched 22K Collective in May 2015, a cash gifting scheme offering membership tiers from $2,000 to $22,000. Miller, named as the owner by Tidom Inc., controls both entities. The "22kcollective.com" domain was registered on March 14, 2015, with private registration.

Miller previously held a prominent role as a US-based investor and speaker for TelexFree, a $1.8 billion Ponzi scheme. The US Securities and Exchange Commission shut down TelexFree in early 2014. Miller then deleted his TelexFree promotional content and briefly joined MyNyloxin as an affiliate.

22K Collective has no retail products. Affiliates market only affiliate memberships, priced at five tiers: Basic ($2,000), Builder ($3,500), Advanced ($6,500), Pro ($12,500), and VIP ($22,000). Membership provides access to an ebook library and marketing training.

The compensation plan involves affiliates gifting money directly to each other. An affiliate qualifies to receive payments from new recruits at their own tier or lower after joining. A Pro Package affiliate can receive payments from Pro Package recruits and those below. If a Pro Package affiliate recruits a VIP Package member, the payment passes to the first available upline affiliate who holds a VIP Package.

Commissions are tracked through a unilevel structure. Each affiliate must pass their first commission, regardless of tier, to their direct upline. This "pass-up" rule applies to all subsequent recruits down the line. All commissions paid out represent 100% of the new affiliate's fee.

22K Collective recommends participants send gifting payments via physical checks through the mail. New recruits send their payment to the recruiting affiliate, who then informs Miller's company. This grants the new member access to the "training" and "ebook library." The scheme operates as a direct cash gifting model, with 100% of the signup fee going to the recruiting affiliate.

The scheme includes a "pay to play" structure. Higher membership tiers allow for greater potential gifting payments. If an affiliate recruits someone at a higher tier than their own, they forfeit that payment to an upline member who holds the higher tier. Scott Miller, at the top of the unilevel structure, receives the largest share of these pass-up payments.

Cash gifting schemes rely on continuous recruitment of new participants. When recruitment inevitably declines, the scheme collapses. Most participants who have paid into such schemes without recouping their initial payment through recruitment lose their money. The majority of participants in cash gifting schemes typically experience financial loss.